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Blue Sky

Redeem points to save on any airline, hotel, rental car or cruise - no blackout dates or travel restrictions
No blackout dates, no travel restrictions
No annual fee and a 0% intro APR
World class cardmember benefits including Travel Accident Insurance, Buyers Assurance Plan, and Return Protection
Balance transfer requests submitted on application receive APR of 4.99% for life of the balance.
Points good on any airline, hotel, car rental and more.
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The Sky's the Limit with Blue Sky
Blue Sky from American Express is a credit card designed to unlock the world of travel rewards. Blue Sky gives you the freedom to save on any flight, hotel, rental car, or cruise-at any time, without blackout dates or travel restrictions.

Buy what you need with the Blue Sky Card, and earn one point for virtually every dollar you charge for purchases on your Card account.

Save $100 with 7,500 points
Save $200 with 15,000 points
Save $400 with 30,000 points, and on and on

Of course, Blue Sky gives you flexibility and independence, too. You can pay for your purchases in full or over time. There's no annual fee, a grace period of up to 20 days, and you'll get a 0.00% Intro APR for the first six months.

Your charges are covered by American Express' Fraud Protection Guarantee.

Use the American Express® Card online or off, and you won′t be held responsible for any fraudulent charges. Period. No fine print, no deductible – just pure protection, so you can shop with confidence.
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DID YOU KNOW?

For someone who plans to save money and look for short-term safe and stable investments vehicles, bank saving accounts are the best option. Other short-term investments include money market mutual funds are viable options, but bank saving accounts are hassle free and easy to operate.

In a bank saving accounts, people earn interest or yield that fluctuates according to general interest rates in the banking industry. Bank saving accounts are backed by the federal government through the Federal Deposit Insurance Corporation (FDIC). This account is best for individuals who are saving for a major purchase or investments.

A variety of bank saving accounts are available in different banks. There are regular saving accounts with no monthly service charges for people who maintain the minimum balance, 55 Plus saving accounts for older people that allow account holders to deposit a certain amount and watch it grow without paying any monthly charges. Money market accounts give account holders higher interest rates fro maintaining a certain balance. Time deposit accounts let account holders earn a fixed rate of interest within a set term that ranges from 7 days to 60 months or more. Students ATM savings gives teenagers the benefit of a bank account with an ATM facility without any regular service charges. For children, there is a junior bank club where they get in the habit of saving while they earn rewards.

Bank saving accounts offer competitive interest rates, unlimited deposits, and ATM service with unlimited withdrawals facility. The deposits are insured by the FDIC and easy to flow monthly statements for better convenience. Bank saving accounts are the best choice for people saving towards a goal or just wanting to get a good return on their money.

An Inquiry into Trading Systems, Money Management and the Human Psyche

At a recent seminar, I got involved in an interesting discussion with other attendees centered on trading success. More specifically, the percentage of successful trades and the percent of accuracy you should realistically expect from trading.

For whatever reason, our minds tend to focus on accuracy as the primary way of evaluating a speculative endeavor. True to form, accuracy - our mental magnet of making money - has very little to do with finding success.

Reality - No Great Expectations

By and large, the record of the past teaches us that on balance, the investment newsletter writers (commodity, stock or mutual funds) don't do such a hot job. As a result, taking a quick peak at the advisors' percentage of accuracy in picking winning trades should prove to be at the very least - interesting.

In looking into this I primarily focused on: Of the small percentage of winning services, what was the accuracy percentage of these most profitable advisory services?

I arbitrarily selected the March 1993, January 1996, March 1997, May 1998 and June 1999. What follows are the figures for the most profitable advisors / service for that month and their percent of accuracy of all trades for the prior 12 months.


Mar 1993 Commodity Timing . . . $60,939 . . . 51%

Jan 1996 Moore Research . . . . $84,643 . . . 52%

Mar 1997 Turtle Talk. . . . . . $79,244 . . . 42%

May 1998 Commodity Timing . . . $90,430 . . . 47%

Jun 1999 Moore Research . . . . $102,605. . . 54%

A key point to remember is that these results are the "best of the best" for the above time periods. On average these services were right 49.2% of the time - our first indication that accuracy percentage doesn't necessarily have much to do with making money.

Consistent Winners

During the selected timeframe there were four advisors / services that substantially outperformed the others. In other words - they made money. Before we look at their figures, let me point out that none of the top four performers base their approach on the "magical and mystical" stuff like Gann, Elliot, Astrology and the like. In fact, advisor letters touting those methods have the worst performance. The winning letters are, by and large, trend followers to one degree or another.

With that in mind, here are the ones that I feel had the best performance. The market letters that had the most consistent and profitable performance and their percentage of winning trades. The dollar figures represent the money they made from their recommendations for the prior 12 months from each of the reporting dates listed above.


Top 4 Newsletters . . . . . . . . 5 Year Total Profits . . . % of Winners

Commodity Research Bureau . . . . . $158,840 . . . . . . . . 48%

Commodity Timing. . . . . . . . . . $224,239 . . . . . . . . 47%

Commodity Trend Service . . . . . . $214,858 . . . . . . . . 32%

Moore Research. . . . . . . . . . . $242,253 . . . . . . . . 51%

Clearly, the winners are not particularly accurate - just very profitable!

Now the question begs - What allows them to make money with what would appear on the surface as mediocre accuracy? The answer lies in one of the oldest adages on the street… let your profits run and cut your losses short. In terms of math, this simply means that their average profit per trade is substantially greater than their average loss.

The message should be clear and is one based on how real people did in real time and in real world trading - accuracy really doesn't matter all that much. On a side note, the next time someone tells you that all newsletters are a bunch of hot air you may want to show them the figures above.

Of course, the counterpart is that you must not take quick little profits. To succeed in this business you've got to hold on for large winning trades because as you can see by these real world examples - accuracy doesn't make you money.

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